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Rewards Credit Card

Earn and pay with reward points on your everyday spending

Get reward points wherever Mastercard is accepted, whether it's online, in store, abroad*, or even on recurring payments. You can then use your points to offset purchases within the Mastercard Pay with Rewards app. *Fees apply, non-HSBC cash machines may also charge a fee. Representative 23.9% APR (variable).

Get 2,500 points (worth £25) as a welcome bonus when you make your first transaction.

Credit is subject to status, affordability and terms and conditions. Please read the important documents before applying.

Representative example

Purchase rate23.9% p.a. (variable)

Representative23.9% APR (variable)

Based on an assumed credit limit of £1,200

Rewards Credit Card

Key benefits of a Rewards Credit Card

Pay with reward points

Use reward points for everyday purchases wherever your card is accepted, in-store or online.

0% interest on purchases

0% interest on purchases for 6 months1 from account opening.

0% interest on balance transfers

0% interest for 6 months1 on balance transfers made within 60 days of account opening. A 2.99% fee applies for each balance transferred, minimum £5.

Your Rewards Credit Card also comes with

  • Introductory points
    Get 2,500 welcome points worth £25 when you make your first transaction on your card.2
  • Bonus points
    Get another 2,500 bonus points when you spend2 £10,000+ on your card in the first year. You can earn these anniversary points3 in each of the first 5 years you have your card. They're paid on the anniversary of when you opened your account.
  • Earn rewards as you spend
    Get reward points as you use your card, then spend them on shopping, travel and much more.
  • Use your credit card abroad
    You can use your HSBC credit card in all countries and regions supported by the Visa and Mastercard networks. Fees apply, and non-HSBC cash machines may also charge a fee.
  • Enjoy 24/7 worldwide assistance
    Help is at hand if your card is lost or stolen. Call our dedicated support team about getting an emergency cash advance.
  • Mastercard Priceless
    Access unforgettable experiences and everyday value in the cities where you live and travel with Mastercard Priceless.
  • No-fuss card management
    Use online banking or the HSBC Mobile Banking app to check your balance, make payments, freeze your card, and stay in control.
  • Go digital
    All HSBC credit cards are contactless and can be used with a digital wallet. For immediate access to spending, you can add your card to Apple Pay or Google Pay directly from the HSBC UK Mobile Banking app before your new card arrives.

Things to know

Who can apply?

You can apply for a Rewards Credit Card if you:

  • are over 18
  • are a UK resident
  • have an annual UK taxable income or pension, before tax, of £6,800 or more
  • hold an HSBC Advance Account or hold an HSBC Bank Account or HSBC Premier Account, and have paid a total of £1750 a month into your account over the last 6 months. This total can't include money transferred from other sole or joint personal accounts held with HSBC UK

Ready to apply for a Rewards Credit Card?

Existing customers

On your mobile device? If you've downloaded our app, you can apply now by selecting 'Apply in app'.

If you're on a desktop, scan the QR code with your mobile device.

More ways to apply

New to the UK?

We may be able to access your international credit history in selected countries to help you apply for an HSBC UK credit card.

Frequently asked questions

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Standards of Lending Practice

HSBC adheres to the standards of lending practice guidelines.

Additional information

1. At the end of any promotional period, balance transfers and purchases will revert to the standard variable rate.

2. Eligible spend excludes ATM cash withdrawals, cash advances or cash related payments, balance transfer transactions, tax payment transactions, or any fees or charges incurred through using your credit card.

3. To get these anniversary points every year, you’ll need to make £10,000+ worth of eligible spending in a 12 month period (starts from the date you opened this credit card account).

If you have an HSBC UK credit card, you're eligible to apply for another if you haven't applied for an HSBC credit card within the past 6 months, and the card isn't the one you currently have.

Balances can’t be transferred from all cards, for example those issued by members of the HSBC Group, including HSBC UK, first direct and M&S Bank.

Please note, if you currently hold a Student or Rewards Credit Card with us, you will not be eligible for this card.

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